1. By KealiiPiko Olmos Roth Iras -Similar to an regular IRA with some exceptions.

2. Differences… • You cannot deduct contributions to a Roth IRA. • If you satisdfy the requirements, qualifies distributions are tax free. • You can make contributions to your Roth IRA after you reach 70 ½ • You can leave amounts in your roth IRA as long as you live. • The account or anuity must be designated as a Roth IRA when it is set up. • The contribution limit may be based on your filing status and income.

3. Investors • Looking for tax free growth potential. • Will reach 59 ½ • Focused on estate and retirement future

4. Investment example

5. Investment Graph

6. Best time? • When your young is best • More time to invest • More time for interest to build up • Better than a 401k

7. Roth IRAS Companies Best overall IRA value. Best IRA for Beginners

8. Investments • Each company is different, for Etrade, no annual IRA fees and no account minimums • Max contribute is up to 5,500$ • Minimum risk for good returns • long term benefit may out weight the short term

9. Chart for 2012

10. Sites • https://us.etrade.com/home • http://www.rothira.com • http://www.irs.gov/Retirement-Plans/Roth-IRAs